Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    HDFC Credit Cards

    Would you like to know the top 10 credit cards offered by HDFC? Are you struggling to choose one from a wide variety of HDFC cards? We’re here to make it easy for you. Find the best HDFC credit card by comparing it with the rest.
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    We found 26 HDFC Credit Cards
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    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    HDFC Credit Cards is Rated as "Excellent!" by 22553 Users

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    Credit Card BYTES FROM OUR KITCHEN

    HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater different needs. From travel to shopping to dining to premium, the bank has a card for every category.

    All About HDFC Credit Cards

    Top 10 HDFC Credit Cards

    Listed below are top 10 credit cards offered by HDFC. Each HDFC credit card provides unique benefits and caters different needs.

    (*BankBazaar is an authorized partner of HDFC Bank. You can apply for the below-listed cards on our website and get instant approval.)

    HDFC Credit Card Variant Annual Fee Category
  • HDFC Bank Regalia First Card
  • Rs.1,000 Premium lifestyle
  • HDFC Bank Diners Club Black Card
  • Rs.5,000 Premium lifestyle
  • HDFC Bank Regalia Card
  • Rs.2,500 Premium lifestyle
  • HDFC Freedom Credit Card
  • Rs.500 Rewards
  • Snapdeal HDFC Bank Credit Card
  • Rs.500 Online shopping
  • HDFC Bank Money Back Credit Card
  • Rs.500 Cashback
  • HDFC Bank Titanium Times Card
  • Rs.500 Regular lifestyle
  • HDFC Bank Diners ClubMiles Card
  • Rs.1,000 Premium lifestyle
  • HDFC Bank Platinum Times Card
  • Rs.1,000 Regular lifestyle
  • JetPrivilege HDFC Bank Diners Club
  • Rs.5,000 Premium travel

    Features And Benefits Of Top 10 HDFC Bank Credit Cards

    HDFC Bank Regalia First Card

    Key Highlights: A premium credit card that provides exclusive travel and lifestyle benefits.

    Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.1,000 (For regular applicants).

    Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

    Joining Bonus: 1,000 reward points upon paying the joining fee.

    Features and benefits:

    • Complimentary Priority Pass Membership that provides access to 700+ airport lounges.
    • 15% discount at premium restaurants across India.
    • Up to 7,500 reward points on achieving annual spends of up to Rs.6 lakh.
    • 8 complimentary domestic lounge access per calendar year.
    • Foreign currency markup fee of 2% on all international spends.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

    Rewards redemption option: Reward points can be redeemed for free air tickets.

    Suitable for: People who frequently visit international locations.

    HDFC Bank Diners Club Black Card

    Key Highlights: Offered in partnership with Diners Club International, the credit card provides world-class privileges in travel, lifestyle, golf, rewards, etc.

    Joining fee: Rs.0 (For those applying on bankbazaar.com); Rs.10,000 (For regular applicants).

    Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.

    Joining Bonus: 10,000 reward points upon paying the joining fee.

    Features and benefits:

    • 50 reward points on international spends.
    • Unlimited access to more than 700 airport lounges across the globe.
    • Exclusive 24/7 concierge services at both local and international locations.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, baggage delay and credit liability.
    • 6 complimentary Golf games per quarter valid in India as well as abroad.

    Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.

    Suitable for: People who frequently visit international locations.

    HDFC Bank Regalia Card

    Key Highlights: Designed for elite class, the Regalia Credit Card offers best of the benefits across various lifestyle categories.

    Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.2,500 (For regular applicants).

    Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.

    Joining Bonus: 2,500 reward points upon paying the joining fee.

    Features and benefits:

    • Complimentary Priority Pass Membership that provides access to more than 700 airport lounges.
    • 15% discount at premium restaurants across India.
    • Up to 15,000 reward points on achieving annual spends of up to Rs.8 lakh.
    • 12 complimentary domestic lounge access per calendar year.
    • 24X7 concierge assistance for travel and entertainment bookings.
    • Foreign currency mark-up fee of 2% on all international spends.
    • Free comprehensive insurance that covers air accidental death, emergency hospitalisation, and credit liability.

    Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on hdfcbankregalia.com. Also convertible to Air Miles.

    Suitable for: People who spend massively on their credit cards and travel frequently.

    HDFC Freedom Credit Card

    Key Highlights: One of the best reward credit cards, the Freedom credit card also offers spend based rewards and free accidental death insurance.

    Joining fee: Rs.500

    Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.

    Joining bonus: 500 reward points upon paying the joining fee.

    Features & benefits:

    • 5 times more reward points on dining, entertainment, railway ticket booking, cab booking, and grocery spends.
    • 10 times more reward points on HDFC PayZapp & SmartBUY spends
    • 25 times more points on birthday spend
    • A gift voucher worth Rs.1000 on annual spends of Rs.90,000 or more.
    • Complimentary accidental insurance up to 50 lakh.

    Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.

    Suitable for: People who use credit card for all daily expenses.

    Snapdeal HDFC Bank Credit Card

    Key Highlights: A true delight for regular Snapdeal customers. Customised features and benefits on Snapdeal spends.

    Joining fee: Rs.500

    Renewal fee: Rs.500 (from 2nd year onwards). Waived if the total spends in the previous year exceed Rs.1.5 lakh.

    Joining bonus: A gift voucher worth Rs.2,000 from Snapdeal within 30 days of card issuance.

    Features and benefits:

    • 5X more reward points on spends at Snapdeal.com.
    • 10X more reward points on making purchases on Snapdeal through HDFC Smart BUY.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Fuel surcharge waiver at all petrol stations in India.

    Rewards redemption option: Reward points can be redeemed for Snapdeal vouchers.

    Suitable for: Frequent online shoppers, especially on Snapdeal.com.

    HDFC Bank Moneyback Credit Card

    Key Highlights: Redeem reward points for cash back against your card outstanding.

    Joining fee: Rs.500

    Renewal fee: Rs.500 (from 2nd year onwards).

    Joining bonus: 500 reward points once the joining fee is paid.

    Features and benefits:

    • 2X more reward points on online spends.
    • Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Zero liability on lost card.

    Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

    Suitable for: People who would like to cut their credit card annual maintenance.

    HDFC Bank Titanium Times Card

    Key Highlights: A low-cost, high-value credit card that provides benefits across various lifestyle categories.

    Joining fee: Rs.500.

    Renewal fee: Rs.500 (from 2nd year onwards).

    Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.

    Features and benefits:

    • 2X more reward points on online spends.
    • Spend Rs.50,000 in a quarter and get e-voucher worth Rs.500.
    • Free accidental death insurance up to Rs.50 lakhs.
    • Zero liability on lost card.

    Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.

    Suitable for: People looking for a less maintenance credit card with benefits across categories.

    HDFC Bank Diners ClubMiles Card

    Key Highlights: A travel credit card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.

    Joining fee: Rs.1,000

    Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).

    Joining bonus: 1,000 reward points once the joining fee is paid.

    Features and benefits:

    • Exclusive lounge access program that provides access to leading airport lounges across the globe.
    • Up to 6 free lounge visits to more than 700 lounges worldwide.
    • Book air tickets and hotels across the globe online through exclusive Diners Club website.
    • Concierge services assist travel needs.
    • 15% discount and other benefits at leading restaurants across India.
    • A comprehensive air insurance cover up to Rs.1.5 crore.

    Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.

    Suitable for: Globetrotters who use their credit card for most of the travel needs.

    HDFC Bank Platinum Times Card

    Key Highlights: A low-cost, high-value credit card that provides benefits across various lifestyle categories.

    Joining fee: Rs.1,000.

    Renewal fee: Rs.1,000 (from 2nd year onwards).

    Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.

    Features and benefits:

    • 25% off on movie ticket bookings and up to 20% discount on dining bills.
    • 3 more reward points on regular spends and 10 points on dining spends on weekdays.
    • Fuel surcharge waiver.
    • Free accidental death insurance up to Rs.50 lakhs.

    Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.

    Suitable for: People who are movie freaks and dine-out quite frequently.

    JetPrivilege HDFC Bank Diners Club

    Key Highlights: A co-sponsored credit card that provides exclusive benefits on Jet Airways flight bookings.

    Joining fee: Rs.10,000

    Renewal fee: Rs.5,000 (2nd year onwards). Spend Rs.8 lakh to avail renewal fee waiver in the next year.

    Joining bonus: Up to 30,000 bonus JPMiles and 15 Jet Privilege Tier Points within first 90 days of card set up.

    Features and benefits:

    • 5% discount on the base fare for revenue tickets booked via Jet Airways website.
    • Priority check-in and extra baggage allowance at select Indian airports.
    • Free, unlimited access to the world's largest airport lounge program.
    • 8 JPMiles on regular spends and 24 JPMiles on tickets booked through Jet Airways.
    • Unlimited complimentary golf games and lessons across the globe.
    • Exclusive fine dining privileges at top restaurants.
    • Personalised 24x7 concierge services for all your bookings.

    Rewards redemption option: Reward points can be exchanged for JPMiles and the same can be redeemed for Jet Airways flight tickets.

    Suitable for: People who prefer Jet Airways to other air carriers for all their local and international travels.

    Eligibility To Apply For HDFC Credit Cards

    Each HDFC credit card has different eligibility criteria. Based on the category of the card, an income of the applicant and other factors the bank decides which card suits for an applicant.

    Let's look at the income and age criterial for top 10 HDFC credit cards
    HDFC Credit Card Variant Income Criteria Age Criteria
    Salaried Self-employed
    HDFC Regalia Credit Card Gross income > Rs.1.2lakh per month ITR > Rs.12lakh per annum Salaried – 21 to 60 years For self-employed – 21 to 65 years
    HDFC Diners Club Black Net income > Rs.1.75 lakh per month ITR > Rs.21lakh per annum
    HDFC Regalia First Gross income > Rs.40,000 per month ITR > Rs.5lakh per annum
    Diners ClubMiles Credit Card Net income >  Rs.30,000 per month ITR > Rs.3.6 lakh per annum
    Diners Club Premium Net income > Rs.60,000 per month ITR > Rs.7.2 lakh per annum
    Diners Club Rewardz Net income > Rs.30,000 per month ITR > Rs.3.6 lakh per annum
    Bharat CashBack Card Gross income > Rs.12,000 per month ITR > Rs.2 lakh per annum
    Freedom Card Gross income > Rs.12,000 per month ITR > Rs.2 lakh per annum
    Snapdeal Credit Card - -
    MoneyBack Credit Card - -

    Check Eligibility For HDFC Credit Cards Online

    You can check eligibility for each HDFC credit card online using HDFC Bank official website and Bank Bazaar website.

    • Check on hdfcbank.com: Visit HDFC Credit Cards page & choose a card and click on the 'Check Eligibility' button. Provide the required details as prompted to know your eligibility for the card.
    • Check on bankbazaar.com: Visit www.bankbazaar.com/hdfc-credit-card.html page to find the list of HDFC credit cards we offer. Click on the 'Check Eligibility' button to know your eligibility for the card.

    Documents Required To Apply For HDFC Credit Cards

    Proof of Identity Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter's ID card
    • Driving license
    Address proof Any one of the documents
    • Telephone bill
    • Electricity bill
    • Passport
    • Ration card
    • Rental agreement
    • Aadhaar card
    Income proof (For salaried)
    • Salary certificate
    • Recent salary slip/s
    • Employment letter
    Income proof (For self-employed)
    • Certified financials
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement or balance sheet

    HDFC may ask for additional documents based the applicant's profile. The above list is for reference purpose only.

    How To Apply For HDFC Credit Cards Online?

    As mentioned earlier, BankBazaar is an official partner of HDFC Bank and offers paperless approval application process for some of its credit cards.

    Through our website, you can check your eligibility for HDFC Credit Cards, apply and submit all the required documents online and enjoy a hassle-free application process.

    Besides that BB.com provides the below-mentioned benefits for its users.

    • Free CIBIL score
    • Instant eligibility check
    • Instant approval for eligible applicants
    • Paperless processing
    • Free gift vouchers
    • A chance to win exciting gifts

    Follow the steps to apply for HDFC Credit Cards through BankBazaar.com

    • On the HDFC Credit Card page, you can find the list of HDFC credit cards on the top.
    • Choose a card and click on the 'Check Eligibility' button
    • You will be prompted with a list of questions
    • Answer them to know your eligibility.
    • If you're eligible for the card, you will be redirected to the online application page.
    • Fill all the required fields on the page before clicking on 'Submit'.
    • You will then be asked to upload the documents - do the same and click on 'Submit'

    On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.

    Reward Points Offered On Top 10 HDFC Credit Cards

    All the eligible HDFC credit cardholders can earn reward points while they spend using their cards.

    The reward points can be redeemed for various options from HDFC Rewards Catalogue, cashback, air miles, and other options.

    Listed below are the reward points offered on top 10 HDFC credit cards.

    HDFC Credit Card Variant Regular rewards points Accelerated reward points
    HDFC Bank Regalia First Card 4 reward points on every Rs.150 spent NA
    HDFC Bank Diners Club Black Card 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking
    HDFC Bank Regalia Card 4 reward points on every Rs.150 spent NA
    HDFC Freedom Credit Card 1 reward point on Rs.150 spent 5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends
    Snapdeal HDFC Bank Credit Card 2 reward points per Rs.150 spent on all purchases 10X RP per on all Snapdeal purchases
    HDFC Bank Moneyback Credit Card 2 reward points for every Rs.150 100% more RP on online spends.
    HDFC Bank Titanium Times Card 2 reward points for every Rs.150 spent 5 RP on dining spends during weekdays
    HDFC Bank Diners Club Miles Card 4 reward points on every Rs.150 spent 10X RP on international spends
    HDFC Bank Platinum Times Card 3 reward points for every Rs.150 spent 10 RP on dining spends during weekdays
    JetPrivilege HDFC Bank Diners Club 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking

    Other HDFC Credit Cards

    The other credit cards offered by HDFC Bank are listed here. Please note that the cards are not offered by BankBazaar. To apply for the cards, please visit HDFC official website.

    HDFC Credit Card Variant Annual Fee Category
  • JetPrivilege HDFC Bank World
  • Rs.2,500 Travel
  • JetPrivilege HDFC Bank Platinum
  • Rs.1,000 Travel
    JetPrivilege HDFC Bank Select or Titanium Rs.1,000 Travel
  • HDFC Diners Club Black
  • Rs.5,000 Travel
  • HDFC Infinia Credit Card
  • Rs.10,000 Premium lifestyle
  • HDFC Solitaire
  • Rs.1,000 Shopping
  • HDFC AllMiles Credit Card
  • Rs.1,000 Travel
    HDFC Doctors Superia Rs.1,000 Doctors with travel benefits
    HDFC Teachers Platinum Rs.500 Teachers with shopping benefits
  • HDFC Platinum Edge
  • Rs.1,000 Cashback
  • HDFC Titanium Edge
  • Rs.1,000 Dining

    JetPrivilege HDFC Bank World Credit Card

    Benefits & Features of JetPrivilege HDFC Bank World Credit Card

    • You get a welcome gift of up to 10,000 additional JPMiles and one way base ticket charges rebated when you use Jet Airways.
    • Get six JPMiles whenever you spend INR. 150 and 18 JPMiles on every air ticket reserved from the official Jet Airways or JetKonnect website.
    • Committed check-in with 10 kg extra baggage permissions.

    JetPrivilege HDFC Bank Platinum Credit Card

    Benefits & Features of JetPrivilege HDFC Bank Platinum Credit Card :

    • Welcome gift of 4000 extra JPMiles.
    • One way base charges rebated if you book a Jet Airways ticket.
    • Get five JPMiles whenever you spend INR. 150.
    • Earn 15 JPMiles on every air ticket reserved from official websites of Jet Airways or JetKonnect.
    • Get five percent off on base charge for air tickets reserved from Jet Airways or JetKonnect.

    HDFC Diners Club Black Credit Card

    Benefits & Features HDFC Diners Club Black Credit Card

    • Enjoy special entry to the choicest Golf Clubs in India as a Green Fee player.
    • You can earn travel coupons worth INR. 750 for every 1000 points accrued.
    • Points can be redeemed as cash for air tickets, hotel booking at the HDFC entertainment website, hdfcbankdinersclub.com.

    HDFC Infinia Credit Cards

    Benefits & Features of HDFC Infinia Credit Cards:

    • Infinia Card comes with no prearranged limit on cash spending or withdrawal.
    • You earn 5 points for every INR.150 you spend.
    • You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
    • Reserve air tickets, film tickets, and hotel rooms via HDFCBankInfinia.com and make double the points.
    • Free international travel insurance.

    HDFC Solitaire Credit Cards

    Features and Benefits of HDFC Solitaire Credit Cards:

    • With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
    • Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
    • With every Rs. 150 spend, get 3 reward points.
    • The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
    • Get Shoppers Stop vouchers of Rs. 2,000 annually.
    • Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs. 5 lakh on the card.
    • With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
    • Zero Lost Card Liability.

    HDFC AllMiles Credit Card

    Features and Benefits of HDFC AllMiles Credit Card :

    • With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
    • With every Rs. 150 spend, get 3 reward points.
    • Free Priority Pass Membership.
    • With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
    • With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
    • With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.

    HDFC Platinum Edge credit card

    Features and Benefits of HDFC Platinum Edge credit card

    • For every Rs.150 spent through your card, earn 2 reward points.
    • Enjoy 50% additional reward points for expenses made on dining out.
    • Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
    • The chip on the card ensures that every transaction made is safe and secure
    • Enjoy revolving credit facility at a nominal interest rate.

    HDFC Titanium Edge credit card.

    Features and Benefits of HDFC Titanium Edge credit card

    • For every Rs.150 spent through your card, earn 2 reward points.
    • Enjoy 50% additional reward points for expenses made on dining.
    • Reward points can be redeemed as cashback against the outstanding bill amount.
    • Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
    • On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.

    FAQ’s for HDFC Bank Credit Cards

    1. What are the different categories of credit cards offered by HDFC Bank?
    2. Super Premium Credit Cards
      Infinia
      Regalia
      Diners Club Black
      Premium Women's Credit Cards
      Solitaire
      Co-Brand Credit Cards
      Platinum Times Card
      Titanium Times Card
      Premium Credit Cards
      Visa Signature
      World MasterCard
      Diners Club Premium
      Diners Club Rewardz
      Professional Credit Cards
      Doctor's Superia
      Teacher's Platinum
      Regular Credit Cards
      Platinum Plus
      Premium Travel Credit Cards
      Superia
      AllMiles
      Commercial Credit Cards
      Business Regalia
      Business Platinum
      Business Gold
      Corporate Platinum
      Corporate Visa Signature
      Corporate World MasterCard
      Corporate Card
      Purchase Card
      Distributor Card

    3. At a glance, what features do HDFC Bank credit cards offer to a customer?

      • Welcome benefits
      • Rewards Points - Redemption across multiple airlines
      • Attractive offers on movies and dining
      • Spend based Annual and Renewal fee reversals
      • Fuel Surcharge waivers
      • Priority passes
      • Comprehensive Insurance coverage

    4. Can I apply for a HDFC credit card online? What benefits can I get?
    5. Yes, you can apply for a HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.

    6. What are the documents required to complete my HDFC credit card application online?

      • Applicant's address details
      • PAN card
      • Scanned copy of your ID proof and address proof

    7. How do I register for Credit Card Net Banking with HDFC?
    8. As an existing HDFC Bank account holder, you can register for Credit Card Net Banking services by following the below given steps.

      • Customers need to login into NetBanking with their customer ID and internet password.
      • Inside the Net Banking account, click on the credit card tab.
      • Add your new card, by selecting the ‘Register New Card’ feature.
      • Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on ‘Submit’.

    9. What are the features available under HDFC Credit Card Net Banking?
    10. After logging into a HDFC NetBanking account, customers can view the following:

      • Cash and credit limits pertaining to the registered credit card
      • Billed/Unbilled transactions
      • Payment due date
      • Reward points earned on a credit card
      • Credit Card Statements (up to 6 months)

    11. How can I pay my HDFC credit card bills?
    12. Customers can use any of the following modes of payments:

      • HDFC Bank Netbanking
      • Non-HDFC Bank Netbanking
      • HDFC Bank Mobile Application
      • Auto pay
      • ATM Funds Transfer

    13. What is the advantage of paying my HDFC credit card bill using internet banking?
    14. Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.

    15. Can I take a loan using the HDFC Bank credit card I currently hold?
    16. Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.

    17. What does the SmartEMI scheme offer to a customer?
    18. The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.

    19. I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?
    20. Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.

    21. My HDFC credit card application is in process. Can I track the status online?
    22. Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.

    23. Are HDFC Bank credit card statements available online?
    24. Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.

    25. Can I earn reward points and JPMiles for expenses done using my HDFC Bank credit card?
    26. ‘MyRewards’ from HDFC Bank is a unique reward points program presenting easy redemption options with a wide range of coupons and discounts to choose from. Customers can earn JPMiles from their Jet Airways/HDFC Bank co-branded credit cards.

    27. Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?
    28. Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be got from a customer’s credit card statement.

    Why you should get a Credit Card today.

    Scared that a Credit Card will make you a spendthrift? LOL!

    Let’s talk about the benefits.

    Break It Up, Boy (or Girl)

    Why borrow big when you can just swipe big and then break it up into smaller affordable EMIs?

    Return Gift

    Spend using your Credit Card and get returns in the form of Cashback, offers and rewards.

    Up Your Credit Score

    Use your Credit Card wisely and you shall be awarded a good Credit Score. Don’t you want that?

    Spending Tracker

    Contrary to popular belief, a Credit Card can help you curb wasteful spending. Just study your card statement.

    Credit Card = benefits galore.

    Things That Matter When Applying For A Credit Card

    Plastic money is a boon for many reasons. However, using Credit Cards responsibly is very important. We'll tell you about the things that matter when you apply for a Credit Card.

    Your Income>

    This is the first thing that the card issuer will ask you. The more your income, the higher credit limit you will be eligible for.

    Past Credit History>

    You've had a Credit Card before? You didn't pay the bills on time? If this is true, the banks might have put you on the defaulters list. Maintain a good credit history.

    Why Do You Need A Credit Card?>

    Shopping, dining, travel, the list is endless. Choose a Credit Card that matches your lifestyle.

    Age Matters

    Your age also matters when you apply for a Credit Card. The credit limit may be lower for a person above 55 years. If you are between 18 -35 years, you can get a higher credit limit on your card.

    Applying for a Credit Card is simple. We have a whole lot of amazing offers for you. Check them out now!

    *Terms and conditions apply. Credit at the sole discretion of the bank.

    Customer Reviews

    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is doing good on the credit card. The customer support is good and they are responsive as well. There are good offers on the card and the reward points and cash back deals are also very much satisfactory. The statements are clear and sent on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2019
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with HDFC bank from last 3 years, there was no annual fee charged for this credit card. Reward points are very good in this credit card and it is useful. I am happy with the credit limit provided by HDFC bank credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2019
    • HDFC Bank Credit Card
      "Fantastic Card"
      0.5 5.0/5 "Blown Away!"
      There are many offers are available in HDFC card, There are lots of loan facility and EMI facility. In 2009, i have purchased this card and I'm extremely happy about this card. The credit limit is very good and i'm recommending this card to everyone. The interest rate is very low in EMI conversion and their customer care also fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2019
    • HDFC Bank Credit Card
      "Looking for better credit limit"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC bank from last 2 years, i did not find any offers on this credit card so far but the credit card services are very good in this card. I am not happy with the credit limit given in HDFC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last 20 years and the services which they are providing so far has been good. The credit limit with this card has been around 3,78,000 and there has also been some good benefits with this card. There has been a good option to convert to the EMI and they had also provided me with reward point worth of 75,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Need to work on the overall experience"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with HDFC Bank. The services and offers are average. They need to work on the overall experience. The bank is extremely high on the rate of interest and charges when compared to the other banks. I would not recommend the bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with HDFC BANK credit card , i am holding this card for past 2month . There is annul fee of 1000 rs but they did not gave nay waive off option with this card .NO reason to choose this card . I got this card for international traveling purpose . Happy to have this card .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Awesome Card"
      0.5 4.0/5 "Great!"
      Actually i have got a regalia card from HDFC. It has been provided me with many benefits which I'm not getting in another card. Wherever i go, i get some offers. There are fuel benefits, shopping benefits and dining benefits. The premium service also good like airport launches. This is a higher level in HDFC hence I'm happy with it.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      Am using HDFC Jet Privilege credit card for last 4 years. They are not providing good service. The interest rate was okay. The credit limit was less and they do charge annual fee of 999 rupees. I use to get reward points which can be used for tickets booking only for JET AIRWAYS. I would suggest them to provide an redemption option for any uses.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been suing HDFC BANK Credit card . The customer support and the billing cycle is also good. I never had any issues with their services. I've been using the credit card for a while their services is good. Offers are many with this card like on ecomerrce website .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this credit card for the last two and a half years and the services of them was quite good so far. They had given me with a credit limit of 2,50,000 and it has been a life time free card. There has been some good benefits which comes with this card and i am using this card for each and everything.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC BANK Credit card , i use this card for online as well offline . Customer support team is good , they respond me on time . It was a good experience. They do have offers on movie tickets . Overall I never had any issues with their services. This card is good for all your daily life needs.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Satisfactory Credit Card"
      0.5 5.0/5 "Blown Away!"
      I love HDFC credit card, because I am a happy customer of HDFC bank for couple of years, I have many financial products like car loan, personal loan etc. The customer care is very polite, they gave me huge credit limit than other cards, the offers are wide as well.
      Was this review helpful? 0
      , lucknow
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last three to four years and the services of them has been good so far. I am satisfied with the credit limit which they had provided with this card and there has been some benefits with this card for online purchases. There has not been any annual charges with this card and i am using it for all sort of purposes.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I use HDFC Regalia credit card for around one year. Whenever I required money and that time it was useful. I have not contacted the customer service. The credit limit was sufficient. I have no clue about the annual fee. I have not checked the benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Normal credit card which won't provide any facility"
      0.5 3.0/5 "Satisfactory"
      After some time I'm planning to close the card. I got the card long back but I'm not getting that much benefits in terms of rewards points and discounts. Customer care service experience is really good. They are sending some offer messages but its not that much helpful. Its a free credit card from HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Good for all transaction"
      0.5 5.0/5 "Blown Away!"
      I am holding this card around more than 5 years, I am an existing customer of the bank. I believe HDFC bank two years once they enhance the limit, the offers are okay its not that much great. I am holding Regalia card I am not sure about the charges.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Can work on offers and charges"
      0.5 4.0/5 "Great!"
      The credit limit is is good at HDFC Bank for the credit card. They also provide good services on the card. They are responsive as well. They need to work on the cash back deals, as I do not get any cash back on shopping and the utility bill payments. It is a chargeable card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC bank from last 1 year, Rs 500 has to be paid as an annual fee for this credit card. Offers like reward points are good in this credit card and the value is also good. Credit limit is fine in HDFC bank credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2019
    • HDFC Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I bough HDFC BANK Credit card , i close this card there is no reason to close . The limit is good which is fair. Overall their services are good and I never faced any issues with their services. The features are good. Customer support and their response is good .
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2019
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